What are the current interest rates at Commerce Bank & Trust Winter Park, FL?

Current rates for Commerce Bank & Trust Winter Park, FL include: 12-Month CD: 3.25%, 18-Month CD: 3.25%, 24-Month CD: 3.50%, 36-Month CD: 3.66%, 48-Month CD: 3.66%, 60-Month CD: 3.66%

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Commerce Bank & Trust Winter Park, FL

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Commerce Bank & Trust Winter Park, FL Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commerce Bank & Trust Winter Park, FL provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Commerce Bank & Trust Winter Park, FL's 36-Month CD rates are at 3.66%, 48-Month CD rates are at 3.66%, 60-Month CD rates are at 3.66%, 24-Month CD rates are at 3.50%, 12-Month CD rates are at 3.25%. MonitorBankRates evaluates the financial stability of Commerce Bank & Trust Winter Park, FL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 08/28/2026.

Commerce Bank & Trust Winter Park, FL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Commerce Bank & Trust Winter Park, FL? Share your experience about Commerce Bank & Trust Winter Park, FL by leaving a review below, or read customer reviews before you decide to use Commerce Bank & Trust Winter Park, FL.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Commerce Bank & Trust

1201 S Orlando Ave
Winter Park, FL 32789

https://www.cbt-fl.com

Commerce Bank & Trust Winter Park, FL CD Rates

Product	Rate	APY	Term
36 month CD	3.59%	3.66%	36 month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48 month CD	3.59%	3.66%	48 month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60 month CD	3.59%	3.66%	60 month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 month CD	3.44%	3.50%	24 month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 month CD	3.20%	3.25%	12 month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18 month CD	3.20%	3.25%	18 month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
180 day CD	3.20%	3.25%	180 day
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
7 month CD	3.20%	3.25%	7 month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
9 month CD	3.20%	3.25%	9 month
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
90 day CD (Non-IRA)	2.71%	2.75%	90 day
Min Deposit $500 Details Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Commerce Bank & Trust Winter Park, FL is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Commerce Bank & Trust Winter Park, FL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Commerce Bank & Trust Winter Park, FL's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Commerce Bank & Trust Winter Park, FL

Bank Holding Company COMMERCE NATL BANKSHARES FL

Address 1201 S Orlando Ave, Winter Park, FL 32789 · Orange

Website https://www.cbt-fl.com

FDIC Certificate # 57429

Established 02/03/2003

FDIC Insurance Date 02/03/2003

Domestic Offices 1

Total Branches 1

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5387%

Return on Equity (ROE) 9.5000%

Non-Performing Loans (NPL) 0.00%

Total Assets $188,931,000

Total Deposits $163,984,000

Equity Capital $13,800,000

Net Income $1,135,000

Headquarters Winter Park

Total Branches and Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Commerce Bank & Trust Winter Park, FL

How many branches does Commerce Bank & Trust Winter Park, FL operate?

Commerce Bank & Trust Winter Park, FL currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Commerce Bank & Trust Winter Park, FL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commerce Bank & Trust Winter Park, FL provides members with tools to manage their accounts and build a solid financial history.

Does Commerce Bank & Trust Winter Park, FL offer online and mobile banking?

Most modern institutions like Commerce Bank & Trust Winter Park, FL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cbt-fl.com.